{"id":47970,"date":"2024-09-10T09:41:05","date_gmt":"2024-09-10T01:41:05","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=47970"},"modified":"2025-07-09T17:28:22","modified_gmt":"2025-07-09T09:28:22","slug":"mitos-mengenai-insurans-kenderaan-komprehensif","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-mengenai-insurans-kenderaan-komprehensif","title":{"rendered":"Mitos Mengenai Insurans Kenderaan Komprehensif"},"content":{"rendered":"\n<p>Mendapatkan pelan insurans komprehensif ketika&nbsp;<a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=5-salah-faham-mengenai-pelan-insurans-komprehensif\">memperbaharui insurans kenderaan<\/a>&nbsp;adalah langkah dan pilihan terbaik. Ini kerana di antara 3 polisi <a href=\"https:\/\/bjak.my\/ms\/car-insurance-guide\">insurans kenderaan<\/a> yang ada di pasaran, polisi insurans komprehensif menyediakan perlindungan yang paling banyak dan hampir menyeluruh buat pemilik kenderaan.<\/p>\n\n\n\n<p>Namun begitu, ada yang menganggap bahawa polisi ini akan melayakkan seseorang itu untuk mendapat pampasan atas semua perkara yang berlaku pada kenderaan. Jangan salah faham ya! Meskipun ia adalah pelan komprehensif, terdapat juga beberapa situasi yang tidak membolehkan anda sebagai pemegang polisi membuat<a href=\"https:\/\/bjak.my\/blog\/qa-mengenai-tuntutan-insurans-kereta\/\">&nbsp;tuntutan insurans<\/a>.&nbsp;<\/p>\n\n\n\n<p>Justeru pada perkongsian artikel kali ini, Bjak akan kongsikan kepada anda beberapa salah faham yang sering berlaku mengenai perlindungan polisi komprehensif untuk membantu anda lebih jelas dan mengelakkan lagi kekeliruan. Semoga berguna!<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d2e3b1b86d4\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d2e3b1b86d4\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-mengenai-insurans-kenderaan-komprehensif\/#%E2%80%9CSaya_boleh_claim_insurans_jika_cedera_akibat_kemalangan_ketika_memandu%E2%80%9D\" title=\"\u201cSaya boleh claim insurans jika cedera akibat kemalangan ketika memandu\u201d\">\u201cSaya boleh claim insurans jika cedera akibat kemalangan ketika memandu\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-mengenai-insurans-kenderaan-komprehensif\/#%E2%80%9CKereta_rosak_sebab_banjir_boleh_claim_je_lah_kan%E2%80%9D\" title=\"\u201cKereta rosak sebab banjir, boleh claim je lah kan?\u201d\">\u201cKereta rosak sebab banjir, boleh claim je lah kan?\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-mengenai-insurans-kenderaan-komprehensif\/#%E2%80%9CMahallah_nak_ganti_tayar_kereta_claim_insurans_je_lah%E2%80%9D\" title=\"\u201cMahallah nak ganti tayar kereta, claim insurans je lah\u201d\">\u201cMahallah nak ganti tayar kereta, claim insurans je lah\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-mengenai-insurans-kenderaan-komprehensif\/#Jika_kemalangan_disebabkan_oleh_pemandu_tidak_dinamakan_claim_akan_ditolak_terus\" title=\"Jika kemalangan disebabkan oleh pemandu tidak dinamakan, claim akan ditolak terus\">Jika kemalangan disebabkan oleh pemandu tidak dinamakan, claim akan ditolak terus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-mengenai-insurans-kenderaan-komprehensif\/#Renew_insurans_komprehensif_hanya_untuk_kereta_baru\" title=\"Renew insurans komprehensif hanya untuk kereta baru&nbsp;\">Renew insurans komprehensif hanya untuk kereta baru&nbsp;<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%E2%80%9CSaya_boleh_claim_insurans_jika_cedera_akibat_kemalangan_ketika_memandu%E2%80%9D\"><\/span>\u201cSaya boleh claim insurans jika cedera akibat kemalangan ketika memandu\u201d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img data-attachment-id=\"47971\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-mengenai-insurans-kenderaan-komprehensif\/attachment\/15_car_crash-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/15_car_crash-1.jpg?fit=960%2C540&amp;ssl=1\" data-orig-size=\"960,540\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"15_car_crash-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/15_car_crash-1.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/15_car_crash-1.jpg?fit=960%2C540&amp;ssl=1\" loading=\"lazy\" width=\"960\" height=\"540\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/15_car_crash-1.jpg?resize=960%2C540&#038;ssl=1\" alt=\"\" class=\"wp-image-47971\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/15_car_crash-1.jpg?w=960&amp;ssl=1 960w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/15_car_crash-1.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/15_car_crash-1.jpg?resize=768%2C432&amp;ssl=1 768w\" sizes=\"(max-width: 960px) 100vw, 960px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Ini antara salah faham yang mungkin sering berlaku dalam kalangan pemilik polisi komprehensif. Sebenarnya, polisi ini tidak akan melayakkan anda untuk membuat pampasan bagi sebarang kecederaan yang ada pada tubuh anda akibat&nbsp;<strong>kemalangan yang berpunca dari diri sendiri<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Untuk setiap jenis polisi insurans yang ada, pihak insurans hanya akan melindungi kecederaan\/ kematian pihak ketiga sahaja, iaitu individu yang dilanggar oleh kenderaan anda.<\/p>\n\n\n\n<p>Jika anda ingin memastikan diri anda turut dilindungi, anda boleh mendapatkan perlindungan tambahan&nbsp;<a href=\"https:\/\/bjak.my\/blog\/apakah-beza-insurans-kereta-dengan-insurans-kemalangan-peribadi\/#Apakah_pula_insurans_kemalangan_peribadi\">insurans kemalangan peribadi<\/a>&nbsp;di dalam polisi komprehensif anda, ataupun beli sahaja satu pelan insurans kemalangan peribadi yang lain (seperti anda beli insurans nyawa\/ perubatan). Insurans ini akan memberikan pampasan apabila berlaku kecederaan, hilang upaya atau kematian yang berlaku disebabkan kemalangan semata-mata kepada pemegang polisi sahaja dan tidak membabitkan mana-mana pihak ketiga.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E2%80%9CKereta_rosak_sebab_banjir_boleh_claim_je_lah_kan%E2%80%9D\"><\/span>\u201cKereta rosak sebab banjir, boleh claim je lah kan?\u201d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img data-attachment-id=\"47972\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/mitos-mengenai-insurans-kenderaan-komprehensif\/attachment\/f2e2c5a3883f44f5b31d62fcc2e3b00b\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/f2e2c5a3883f44f5b31d62fcc2e3b00b.jpg?fit=1920%2C1080&amp;ssl=1\" data-orig-size=\"1920,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;Copyright (c) 2016 Rex Features. No use without permission.&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"f2e2c5a3883f44f5b31d62fcc2e3b00b\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/f2e2c5a3883f44f5b31d62fcc2e3b00b.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/f2e2c5a3883f44f5b31d62fcc2e3b00b.jpg?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/f2e2c5a3883f44f5b31d62fcc2e3b00b.jpg?resize=1080%2C608&#038;ssl=1\" alt=\"\" class=\"wp-image-47972\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/f2e2c5a3883f44f5b31d62fcc2e3b00b.jpg?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/f2e2c5a3883f44f5b31d62fcc2e3b00b.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/f2e2c5a3883f44f5b31d62fcc2e3b00b.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/f2e2c5a3883f44f5b31d62fcc2e3b00b.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/09\/f2e2c5a3883f44f5b31d62fcc2e3b00b.jpg?w=1920&amp;ssl=1 1920w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure><\/div>\n\n\n\n<p>Untuk makluman anda, pihak insurans tidak akan membayar sebarang ganti rugi untuk kerosakan kenderaan yang diakibatkan oleh bencana alam termasuklah banjir, tanah runtuh, pokok tumbang dan seangkatan dengannya. Ini kerana biasanya kos untuk pembaikan kereta rosak akibat bencana alam adalah tinggi jadi ia dianggap sebagai satu risiko.<\/p>\n\n\n\n<p>Namun, ada caranya jika anda ingin memastikan kenderaan anda tetap dilindungi jika ia rosak akibat bencana alam. Sila dapatkan sahaja&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta-perlindungan-tambahan-peril-khas-bencana-alam\/\">perlindungan tambahan peril khas&nbsp;<\/a>ketika anda renew insurans dengan pelan komprehensif. Dengan perlindungan tambahan ini, ia dapat membantu anda mendapatkan ganti rugi atas kerosakan kenderaan yang disebabkan oleh bencana alam seperti yang disenaraikan dalam polisi insurans. Jumlah pampasan yang akan diterima adalah bagaimanapun bergantung kepada nilai kereta anda, tertakluk kepada polisi insurans masing-masing.&nbsp;<\/p>\n\n\n\n<p>Pada kebiasaannya, premium bagi perlindungan ini ialah 0.5% daripada jumlah diinsuranskan. Tetapi ingat, ianya mungkin berbeza mengikut pengendali takaful dan insurans ya.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E2%80%9CMahallah_nak_ganti_tayar_kereta_claim_insurans_je_lah%E2%80%9D\"><\/span>\u201cMahallah nak ganti tayar kereta, claim insurans je lah\u201d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Meskipun anda memiliki perlindungan insurans komprehensif, ia tidak akan melayakkan anda untuk mendapat&nbsp;<a href=\"https:\/\/bjak.my\/blog\/claim-insurans-tayar-meletup-atau-rosak-boleh-atau-tidak\/\">ganti rugi bagi pertukaran tayar&nbsp;<\/a>yang telah rosak\/ meletup melainkan atas beberapa faktor iaitu:<\/p>\n\n\n\n<ul><li>Tayar rosak\/ meletup akibat jalan raya yang teruk &amp; berlubang&nbsp;<\/li><li>Tayar kereta ditoreh oleh penjenayah\/ dicuri<\/li><li>Tayar kereta rosak akibat kebakaran yang tidak disengajakan<\/li><\/ul>\n\n\n\n<p>Jika tayar kereta anda rosak\/ haus kerana ia sudah terlalu lama, maka anda perlu menggantikannya menggunakan wang sendiri ya. Meskipun mahal, namun ia adalah salah satu komitmen yang setiap pemilik kenderaan perlu hadap dan tanggung.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Jika_kemalangan_disebabkan_oleh_pemandu_tidak_dinamakan_claim_akan_ditolak_terus\"><\/span>Jika kemalangan disebabkan oleh pemandu tidak dinamakan, claim akan ditolak terus<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Malang tidak berbau. Niat baik anda meminjamkan kenderaan kepada individu yang namanya tidak disenaraikan sebagai pemandu tambahan dalam polisi insurans anda mungkin akan memakan diri apabila kenderaan yang dipandu olehnya terbabit dalam kemalangan.<\/p>\n\n\n\n<p>Apabila situasi ini berlaku, anda mungkin beranggapan bahawa tuntutan insurans tidak boleh langsung dilakukan dan pihak insurans akan menolak claim anda itu.<\/p>\n\n\n\n<p>Jangan salah faham ya. Anda sebagai pemilik kenderaan tetap boleh mengemukakan tuntutan insurans di atas kerosakan kereta akibat kemalangan yang telah berlaku. Namun, anda bertanggungjawab untuk membayar excess (biasanya sebanyak RM400) daripada kos pembaikan yang telah ditetapkan oleh syarikat insurans.<\/p>\n\n\n\n<p>Meskipun begitu, pastikan:<\/p>\n\n\n\n<ul><li>Polisi anda masih aktif ketika kejadian berlaku<\/li><li>Pemandu tersebut ada lesen memandu<\/li><li>Anda memiliki insurans komprehensif<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Renew_insurans_komprehensif_hanya_untuk_kereta_baru\"><\/span>Renew insurans komprehensif hanya untuk kereta baru&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ada yang beranggapan bahawa<a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=5-salah-faham-mengenai-pelan-insurans-komprehensif\">&nbsp;pembelian pelan insurans<\/a>&nbsp;komprehensif adalah untuk kenderaan baru dan yang berusia di bawah 10 tahun sahaja.<\/p>\n\n\n\n<p>Tidak, untuk pengetahuan anda&nbsp;sesetengah syarikat insurans ada juga menawarkan perlindungan untuk kereta yang berusia sehingga 15 atau 20 tahun. Disebabkan itulah sebelum renew insurans, anda sangat digalakkan untuk membuat perbandingan dengan beberapa buah syarikat insurans bagi memastikan kenderaan anda boleh mendapatkan perlindungan yang terbaik.<\/p>\n\n\n\n<p>Selagi anda layak, selagi itulah anda digalakkan untuk renew dengan polisi ini agar anda boleh membuat tuntutan jika berlaku sesuatu pada kenderaan anda di kemudian hari.&nbsp;<\/p>\n\n\n\n<p>Untuk lebih mudah, anda juga boleh gunakan platform Bjak bagi membuat perbandingan dengan banyak jenama insurans yang terkemuka secara sekaligus. Kereta baru atau kereta lama, semua boleh renew di sini!<\/p>\n\n\n\n<p>Jom layari Bjak sekarang untuk<a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=5-salah-faham-mengenai-pelan-insurans-komprehensif\">&nbsp;semak sebut harga<\/a>&nbsp;anda!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>Bjak menyediakan lebih 10 jenama insurans untuk pengguna lakukan perbandingan. Dapatkan sebut harga percuma di Bjak dan pilih pelan terbaik hari ini!<\/em><\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-nv-dark-bg-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=mitos-mengenai-insurans-kenderaan-komprehensif\">Renew Online<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Baca juga:<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/insurans-komprehensif-semua-yang-anda-perlu-tahu\/\">Insurans Komprehensif: Semua Yang Anda Perlu Tahu<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/claim-insurans-tayar-meletup-atau-rosak-boleh-atau-tidak\/\">Claim Insurans Tayar Meletup Atau Rosak \u2013 Boleh Atau Tidak?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/kesilapan-yang-perlu-dielakkan-semasa-memfailkan-tuntutan-insurans-kemalangan-kereta\/\">Kesilapan Yang Perlu Dielakkan Semasa Memfailkan Tuntutan Insurans Kemalangan Kereta<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Pelan insurans komprehensif tidak semestinya akan melayakkan anda untuk membuat tuntutan insurans atas semua situasi.<\/p>\n","protected":false},"author":23,"featured_media":47974,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[350],"tags":[26,243],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - 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